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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $182,412 | $110,410+65.2% | $102,437+78.1% | $145,897+25.0% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.5%+25.5pp | 80.3%+19.7pp |
| Annual return | 23.20% | 24.85%-1.7pp | 24.95%-1.8pp | 552.29%-529.1pp |
| Employer contribution / active EE | $3,698 | $4,217-12.3% | $3,871-4.5% | $4,663-20.7% |
| Participant deferral / active EE | $11,484 | $5,622+104.3% | $5,060+127.0% | $6,689+71.7% |
| Admin fee / account holder | $7,141 | $9,745-26.7% | $8,388-14.9% | $13,390-46.7% |